Free Financial Calculators

Every calculator below is free, needs no sign-up, and runs entirely in your browser. Pick what you need.

Mortgage & Home Loans

Payments, amortization, refinancing and regional mortgage math.

Mortgage CalculatorMonthly payment, total interest and full amortization schedule. 15 vs 30 Year Mortgage CalculatorSide-by-side payment, interest and equity over 15 vs 30 years. Amortization CalculatorBuild a month-by-month payment and balance schedule. Biweekly Mortgage CalculatorSee how paying twice a month cuts total interest. Mortgage Refinance CalculatorFind your break-even point and the rate you need. Loan Affordability CalculatorHow much you can actually borrow against your income. Debt-to-Income (DTI) Ratio CalculatorThe ratio lenders use, and what counts as healthy. UK Mortgage Payment CalculatorUK-specific monthly and interest-only payments. Canada Mortgage Payment CalculatorCanadian mortgage math, including 25-year terms. Australia Mortgage Payment CalculatorAustralian loan repayments on fortnightly or monthly schedules.

Savings & Investing

Grow a balance, hit a target, or measure a return.

Compound Interest CalculatorSee what monthly compounding actually does over time. Compound Savings CalculatorProject your future balance from today's deposit. Savings Goal CalculatorWork out the monthly deposit that reaches your target. 401(k) CalculatorProject retirement savings with your real contribution and match. Retirement CalculatorHow much you need, and when you can reasonably stop working. CAGR CalculatorCompound annual growth rate from start and end values. ROI CalculatorReturn on investment, net of what you put in. Rule of 72 CalculatorEstimate doubling time for any growth rate.

Loans & Debt

Compare borrowing options and build a payoff plan.

Personal Loan CalculatorMonthly payment and total cost for an unsecured loan. Student Loan CalculatorCompare repayment plans and payoff strategies. Loan Comparison CalculatorPut two loans side by side on rate and term. Credit Card Payoff CalculatorThe payoff date and interest saved with a fixed payment. Debt Payoff CalculatorAvalanche vs snowball, with the month you become debt-free. EMI CalculatorEquated monthly instalment for home, car and personal loans.

Banking & Deposits

Certificates, yields and your safety net.

CD CalculatorCD earnings by term and compounding frequency. APY CalculatorConvert a stated rate into the real annual yield you earn. Emergency Fund CalculatorHow many months of expenses you should hold.

Cars

Budget for a vehicle before you sign.

Car Affordability CalculatorWhat car payment you can afford from your real budget. Auto Loan CalculatorMonthly payment, total interest and payoff for a car loan.

Taxes

Brackets, sales tax and VAT.

Tax Bracket CalculatorFederal brackets, marginal rate and effective rate. Sales Tax CalculatorAdd or remove sales tax on any amount. VAT CalculatorAdd or remove VAT at any rate.

Pay & Work

What you actually take home.

Paycheck CalculatorTake-home pay after tax, on a real paycheque schedule. Hourly Wage CalculatorConvert hourly pay to annual, and see after-tax.

Health & Fitness

Body metrics and daily intake.

BMI CalculatorBody mass index for adults and children, in metric and imperial. Calorie CalculatorDaily calorie target from your age, sex, height and activity.

Everyday Money & Math

General-purpose tools.

Net Worth CalculatorWhat you own minus what you owe. Inflation CalculatorWhat today's money was worth, and what it will be worth. Simple Interest CalculatorFlat interest on a loan or deposit. Percentage CalculatorEvery percentage increase, decrease and difference.

Not sure which one you need? Start with the Mortgage Calculator or the Compound Interest Calculator.